Net interest margin at December 31, 2022(thousand MAD)

Fee income provided from services at December 31, 2022(thousand MAD)

General operating expenses at December 31, 2022(thousand MAD)

Income from market activities at December 31, 2022(thousand MAD)

Risk concentration with the same counterparty at December 31, 2022(thousand MAD)

NUMBER OF COUNTERPARTIES TOTAL COMMITMENT

21 81 329 489

12/31/2022 12/31/2021

Interest and similar income from activities with customers

9 974 306 9 885 774

of which interest and similar income 9 664 545 9 598 996

of which fee income on commitments 309 761 286 778

Interest and similar income from activities with credit institutions 919 081 837 184

of which interest and similar income 850 275 762 816

of which fee income on commitments 68 806 74 368

Interest and similar income from debt securities 329 480 306 388

TOTAL INTEREST AND SIMILAR INCOME 11 222 867 11 029 346

Interest and similar expenses on activities with customers 1 657 840 1 739 754

Interest and similar expenses on activities with credit institutions 567 014 463 480

Interest and similar expenses on debt securities issued 271 811 319 767

TOTAL INTEREST AND SIMILAR EXPENSES 2 496 665 2 523 001

NET INTEREST MARGIN 8 726 202 8 506 345

Fees

12/31/2022 12/31/2021

Account management

201 843 246 637

Payment services 1 007 410 894 527

Securities transactions 51 313 57 904

Asset management and custody 93 038 91 468

Credit services 154 176 157 194

Sale of insurance products 153 560 148 846

Other services provided 491 897 414 969

TOTAL 2 153 237 2 011 545

EXPENSES

12/31/2022 12/31/2021

Staff costs

2 352 366 2 273 129

Taxes 65 025 70 014

External expenses 1 730 184 1 722 630

Other general operating expenses 105 377 93 310

Depreciation, amortisation and provisions on intangible assets and property, plant and equipment 600 268 573 541

TOTAL 4 853 219 4 732 623

INCOME AND EXPENDITURES

12/31/2022 12/31/2021

+ Gains on trading securities

1 506 735 1 937 341

- Losses on trading securities 1 499 831 687 840

Income from activities in trading securities 6 904 1 249 501

+ Capital gains on disposal of available-for-sale securities 12 030

+ Write-back of provisions for impairment of available-for-sale securities 4 398 3 786

- Losses on disposal of available-for-sale securities 1 420

- Provisions for impairment of available-for-sale securities 593 6

Income from activities in available-for-sale securities 15 835 2 360

+ Gains on foreign exchange transactions - transfers 1 370 930 1 426 279

+ Gains on foreign exchange transactions - notes 164 238 73 731

- Losses on foreign exchange transactions - transfers 281 037 455 025

Losses on foreign exchange transactions notes 76 003 30 449

Income from foreign exchange activities 1 178 128 1 014 536

Gains on fixed income derivative products 648 791 370 100

Gains on foreign exchange derivative products 135 188

Gains on other derivative products 151 368 68 636

Losses on fixed income derivative products 6 190 36 484

Losses on foreign exchange derivative products 231 569

Losses on other derivative products 98 971 72 217

Income from activities in derivatives products 830 186 98 466

Income from equity securities at December 31 2022thousand MAD

CATEGORY

12312022 12312021

Availableforsale securities

Investments in affiliates and other longterm investments 2 035 905 1 733 767

TOTAL 2 035 905 1 733 767

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